Terms of Use

1. Acceptance of these terms

These terms apply to your use of FolioRow (the "Service"). By using the Service you agree to them. If you do not agree, please do not use the Service.

2. General information only, not financial advice

The Service is a scenario modelling tool provided for general information and educational purposes. It shows illustrative projections based on the figures and assumptions you enter. It does not take into account your objectives, financial situation or needs, and it does not recommend or promote any financial product, strategy or course of action.

Nothing in the Service is financial, tax, legal or accounting advice. Before making any financial decision, consider speaking with a licensed financial adviser or other qualified professional who can consider your personal circumstances.

3. Projections, not predictions

Results depend entirely on the inputs and assumptions used. They are not forecasts or guarantees, and actual outcomes will differ. Example scenarios use placeholder figures only and do not represent expected returns or typical circumstances. Projections are not adjusted for inflation unless stated.

4. Beta service and accuracy

The Service is in beta and may contain errors, omissions or simplifications, including in tax, loan and investment calculations. It may change, be unavailable or be withdrawn at any time. You are responsible for checking any figures you plan to rely on.

5. Your use of the Service

You agree to:

• Use the Service lawfully
• Not attempt to disrupt, overload, reverse engineer or gain unauthorised access to the Service or its data
• Not use automated tools in a way that harms the Service or other users
• Keep your account credentials secure and tell us if you suspect unauthorised access

6. Your content

You keep ownership of the scenarios and other content you create. You give us permission to store and process it to provide the Service. If you choose to make a project public, you allow others to view and open a copy of it. Please do not enter bank account numbers, card details, government identification numbers or other sensitive details.

7. AI assistant

Where the Service offers an AI assistant, its responses are generated automatically, may be inaccurate, and are general information only. See our Privacy Policy for how messages and project data are handled.

8. Intellectual property

The Service, including its design, text and software, is owned by us or our licensors and is protected by intellectual property laws. These terms do not give you any rights in it other than the right to use the Service as described here.

9. Disclaimers and limits of liability

To the maximum extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, and we are not liable for any loss or damage arising from your use of, or reliance on, the Service or its results. Nothing in these terms excludes rights that cannot be excluded under applicable law, including consumer guarantees under the Australian Consumer Law.

10. Privacy

How we collect and use personal information is described in our Privacy Policy.

11. Changes and termination

We may update these terms from time to time by posting the new version here with a new effective date. Continuing to use the Service after a change means you accept the updated terms. We may suspend or end your access if you breach these terms or to protect the Service.

12. Contact

For questions about these terms, please use our contact page.